321 PALM ISLES CT, PUNTA GORDA, FL, 33950
Active9 days on marketListed Oct 29, 2026MLS #C7532534
Come see it
Upcoming open house
Sat, Nov 7
11:00 AM – 1:00 PM
About this home
321 PALM ISLES CT
Virtually Staged. EXCEPTIONAL WATERFRONT LIVING IN PUNTA GORDA ISLES — A BOATER'S AND ENTERTAINER'S PARADISE! Welcome to 321 Palm Isles Court, a beautiful 3-bedroom, 2-bath waterfront pool home offering 2,135 square feet of living space, a spacious 3-car garage, and an extraordinary outdoor entertaining experience. Nestled on a desirable dead-end street in Punta Gorda Isles with underground utilities, this home combines tropical beauty, comfortable living, and the boating lifestyle Southwest Florida is famous for. THE OUTDOOR LIVING SPACE IS TRULY THE STAR OF THIS HOME! Step through the sliding glass doors to an expansive screened lanai featuring a heated in-ground swimming pool and an above-ground spa. Designed for year-round enjoyment, this inviting retreat features a charming wood-burning fireplace, an outdoor cooking area, and a built-in bar — perfect for hosting friends, gathering with family, or simply relaxing while enjoying the beautiful canal views and spectacular Florida sunsets. BOATERS AND FISHING ENTHUSIASTS WILL LOVE the double dock, private boat lift, fish-cleaning station, and saltwater canal frontage. Whether heading out for a day on the water, returning with the day's catch, or enjoying a peaceful evening along the dock, this property makes waterfront living effortless. Beautiful tropical landscaping surrounds the property, creating a lush, inviting atmosphere with colorful flowering plants, a Florida avocado tree, and a dedicated fenced dog run. Low-maintenance artificial turf provides year-round greenery and a beautifully manicured appearance while reducing lawn upkeep. An irrigation system helps maintain the attractive grounds. Inside, distinctive stone accents and a contemporary linear electric fireplace create an inviting atmosphere filled with warmth and character. Ceramic tile flooring, sliding glass doors, and thoughtfully designed living spaces provide comfortable everyday living and an easy connection to the outdoor entertaining areas. The home also features an interior laundry room, central air conditioning, and a well-equipped kitchen with appliances including a refrigerator, range, microwave, dishwasher, and disposal. ADDITIONAL HIGHLIGHTS include a tile roof, remote-controlled roll-down hurricane shutters for convenient storm protection, a Generac Guardian 18kW automatic standby generator for added peace of mind during power outages, rain gutters, public water and sewer, underground utilities, and an attached 3-car garage offering ample space for vehicles, storage, and recreational equipment. Located in the highly desirable waterfront community of Punta Gorda Isles, this property is conveniently situated near historic downtown Punta Gorda, Fishermen's Village, waterfront parks, restaurants, boutique shopping, walking and biking paths, and popular community events. FROM BOATING AND FISHING TO POOLSIDE GATHERINGS AND FIRESIDE EVENINGS, THIS IS SOUTHWEST FLORIDA WATERFRONT LIVING AT ITS FINEST!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,135
Sqft
0.22 ac
Lot size
3
Garage
2001
Year built
One
Levels
$464
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$7,757 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,757/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+42%
$/sqft vs Punta Gorda actives
$464 vs $208
Days on market
9 vs 65 typical
Where $464/sqft sits among the 400 Punta Gorda actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Punta Gorda Isles
Get to know Punta Gorda. See the full Punta Gorda guide →
Punta Gorda Isles — neighborhood snapshot
Population
10,022
Median age
67
Median income
$107,800
Median home value
$636,862
Avg household
2
Households w/ children
293
For the school run
Charlotte County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Punta Gorda market
$325K → $340K
Punta Gorda median sold, yr/yr
95.3%
Sale-to-list ratio (12 mo)
171 of 400
Punta Gorda actives have cut their price
Median sold price, Punta Gorda, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 235% above the PUNTA GORDA 33950 median. See the full Punta Gorda market guide →
Paper trail
This home's history
Reality check
What actually sold near 321 PALM ISLES CT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$647,000
1122 MINEO DRIVE · same community
3 bd · 2 ba · 2,111 sqft · $306/sqft · 37 DOM
Sold · Aug ’26$735,000
1801 MAGDALINA DRIVE · same community
3 bd · 2 ba · 2,105 sqft · $349/sqft · 58 DOM
Sold · Nov ’25$710,000
313 PALM ISLES COURT · same community
3 bd · 2 ba · 2,169 sqft · $327/sqft · 0 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 321 PALM ISLES CT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 321 PALM ISLES CT — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
321 PALM ISLES CT FAQs
What would the monthly payment be for 321 PALM ISLES CT?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $7,757/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 321 PALM ISLES CT?+
The most recent tax bill on record (2025) was $11,955. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 321 PALM ISLES CT?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Punta Gorda?+
At $989,900, this home is listed about 176% above the Punta Gorda median of $359,000. The market section on this page shows how the area is trending.
Which schools are assigned to 321 PALM ISLES CT?+
Sallie Jones Elementary School (elementary), Charlotte High School (high), Punta Gorda Middle School (middle) — Charlotte County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$989,900 runs 235% above the PUNTA GORDA 33950 median — but at 2,135 sqft it's also 19% larger than the typical Punta Gorda listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Sallie Jones Elementary School, Charlotte High School, Punta Gorda Middle School — Sallie Jones Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FIVE STAR REALTY OF CHARLOTTE · Catherine Sanders. MLS #C7532534.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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